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SmartBiz - Business Blog

How to Determine the Right Type of Small Business Loan for Your Company

Explore Our Resources

Money Management
April 23, 2025

What Is a Good Profit Margin for a Small Business?

Running a small business means facing an endless stream of daily numbers—sales and expense reports, inventory costs, and payroll figures… Oh my! How do you know where to... Read More
Money Management
April 09, 2025

Income Statement Example: A Complete Guide for Small Business Owners

Feeling lost when it comes to understanding your business’s financial health? If you aren’t keeping a close eye on your business numbers, you could miss out on critical... Read More
Money Management
March 26, 2025

IRS 2553 Instructions: Essential Information You Need to Know

When you own a small business, every decision matters—including how you choose to structure your company. It’s more than just paperwork, your business classification affects... Read More
Money Management
January 21, 2025

2025 Tax Tips and Deadlines

Tax season can be stressful for small business owners, but it’s also an opportunity to get your financial house in order. Whether you're preparing to apply for a small... Read More
Money Management
December 18, 2024

How To Improve Your Business Credit Score

At SmartBiz®, we’re here to help small businesses access the financing they need—whether it’s an SBA loan, a Bank Term loan, or another option. When we chat with... Read More
Money Management
November 27, 2024

Real Stories of How Refinancing Drives Small Business Growth

Small business owners know that taking on debt is sometimes necessary to achieve big goals, whether it’s launching a business or seizing a new opportunity. Yet, those... Read More
Money Management
November 20, 2024

8 Small Business Debt Consolidation Strategies

Managing multiple high-interest loans can be challenging for small business owners. Balancing several payments requires some strategic thinking, particularly when... Read More
Money Management
August 21, 2024

Mastering Small Business Cash Flow Management

Every small business owner knows the tension of watching the numbers. Cash flow—how money moves in and out of your business—may be the difference between thriving and just... Read More
Money Management
June 03, 2024

Small Business Guide to Filing a Beneficial Ownership Report

Update as of December 2024: The Beneficial Ownership Filing is no longer required as of now. A judge in Texas has issued a preliminary injunction against enforcement of the... Read More

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1. We conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, SmartBiz Bank and the lenders with whom we work will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may impact your credit score.

The SmartBiz® Small Business Blog and other related communications from SmartBiz BankSM are intended to provide general information on relevant topics for managing small businesses. Be aware that this is not a comprehensive analysis of the subject matter covered and is not intended to provide specific recommendations to you or your business with respect to the matters addressed. Please consult legal and financial professionals for further information.